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Technology

The cornerstone of our success.

Introduction

Our bespoke prepaid card platform has evolved over the course of several years to become a market leader in prepaid technology.

The middleware we have developed is a collection of core integrated technology modules. The platform provides prepaid card services from front-end to back-office, with integrations to multiple issuing processors, acquirers, cash top-up networks and service providers.

The platform consists of the following core components:

Global Bank Transfers for Cardholders

PFS has global bank loading partners to allow cardholders to load their cards from bank accounts in 38 countries worldwide.

Premium SMS

PFS has SMS shortcodes in different regions allowing online card applications to be paid for by reverse premium SMS.

Bank Transfer

Cash Loading:

  • Integration with 31,500+ cash loading locations in the UK (Payzone, Post Office)
  • Integrated with 40,000+ cash loading locations in France
  • Integrated with 1,800+ cash loading locations in Ireland (PostPoint)
  • Integrated with 2,500+ cash loading locations in Slovenia
  • Integrated with 22,000+ cash loading locations in Spain

Debit and Credit Card Processing

PFS is integrated to several payment acquirers and payment gateways with acquiring accounts in GBP, EUR, USD, AUD and ZAR, ensuring the most competitive rates for our clients which can subsequently be passed on to cardholders.

Bulk Payment Solutions

PFS provide a secure bulk payment solution which allows the processing of multiple payments to multiple cards, in minutes, which is ideally suited for payroll purposes. The flexible nature of our software platform means it can easily integrate into existing payroll software platforms.

E-Wallet

Good Funds E-Wallet Technology

PFS provide a good funds model to our clients, allowing the client to load and unload their cards instantly via batch, API, or through a back-office terminal. Detailed real-time reporting is provided to ensure a full audit trail of all transactions.

Cardholder Portal

PFS provide an online cardholder portal that is fully customisable. This can be fully branded and integrated into the client website providing a seamless user experience for the cardholder. The functions available to the cardholder include:

  • Card status and balance information
  • Transaction history and statement printing
  • Card loading via bank transfer or online debit card payment
  • Updating of contact details
  • Transfer of funds to another card
  • Transfer of funds to a bank account
  • Cashback and rewards
  • Bill payments

IVR

PFS provide a multilingual IVR system, which cardholders can use to retrieve their PIN, check their balance or block their card if lost or compromised. Local numbers can be provided globally and additional languages added based on client requirements.

FX System

PFS has partnered with several Currency Exchange providers, allowing our clients and cardholders to load our currency cards at extremely competitive rates. FX providers have the capability to feed us real-time rates, as many times a day as they wish, ensuring no exposure to market volatility.

Multiple Currencies

PFS currently issue cards in the following currencies: Australian Dollar, Canada Dollar, Denmark Krone, Euro, Great British Pound, Hong Kong Dollar, Israel Shekel, Japan Yen, Norway Krone, Poland Zloty, South Africa Rand, Sweden Krona, Switzerland Franc and United States Dollar.

Multi-Currency